DSCR Loans in Calcasieu Parish, Louisiana
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 58 lenders made 346 investment-property loans in Calcasieu Parish, 4.2% of Louisiana's total. Dominick Prevete arranges DSCR loans across Calcasieu Parish, Louisiana, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $230,000.
Calcasieu Parish investor market at a glance
| Statistic | Calcasieu Parish | Louisiana | County rank |
|---|---|---|---|
| Investor loans | 346 | 8,254 | 8th of 17 |
| Reporting lenders | 58 | 337 | 8th of 17 |
| Loan volume | $43.2M | $1.46B | 8th of 17 |
| Average loan | $125K | $177K | 14th of 17 |
| Median loan | $95K | $125K | 16th of 17 |
| Purchases | 37.6% | 47.7% | 16th of 17 |
| Cash-out refinances | 9.5% | 13.1% | 10th of 17 |
| 2–4 unit properties | 23.1% | 23.6% | 8th of 17 |
| Top five lenders' share | 47.4% | 16.0% | 7th of 17 |
| Reported business-purpose | 46.5% | 46.3% | 9th of 17 |
Calcasieu Parish: closed-end loans on 1–4 unit investment properties. Calcasieu Parish's rank is highest first, among Louisiana's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Calcasieu Parish's investor loans.
What stands out in Calcasieu Parish
37.6% of Calcasieu Parish's investor loans were purchases, the 2nd-lowest share of Louisiana's 17 counties with published data (statewide: 47.7%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
The median investor loan in Calcasieu Parish was $95K, the 2nd-lowest median of Louisiana's 17 counties with published data (statewide: $125K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Calcasieu Parish?
At HUD's fair market rent of $1,467 for a 3-bedroom in Calcasieu Parish, Louisiana, a rental covers its full DSCR payment up to a purchase price of about $230,000, with 20% down at the 7.25% starting rate (November 2026). Calcasieu Parish's median home value is $217,000; at that price the payment is $1,355 a month, so the property would need $1,375 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,231 / $1,467 / $1,713 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $217,000 |
| Median property taxes and effective rate | $968 (0.45% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,355 |
| Rent needed to cover that payment | $1,375 |
| Coverage of a 3-bedroom at fair market rent | 1.08 |
| Highest price a 3-bedroom at fair market rent covers | about $230,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Calcasieu Parish's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Calcasieu Parish?
The most active investment-property lenders in Calcasieu Parish in 2025 HMDA data were JD BANCSHARES, INC.; The Evangeline Bank & Trust Company; and Cadence Bank, out of 58 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including one that reported in Calcasieu Parish, and matches each file to the one most likely to fund it.
Calcasieu Parish's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 346 loans and $43.2M from 58 lenders. JD BANCSHARES, INC. led Calcasieu Parish with 43 loans, 12.4% of the county's total, and the average Calcasieu Parish loan of $125K compares with $177K across Louisiana.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| JD BANCSHARES, INC. | 43 | $4.0M | $92K | 25.6% |
| The Evangeline Bank & Trust Company | 33 | $3.1M | $94K | 45.5% |
| Cadence Bank | 32 | $1.9M | $58K | 12.5% |
| First Federal Bank of Louisiana | 31 | $4.2M | $136K | 19.4% |
| b1BANK | 25 | $3.0M | $122K | 16.0% |
| Merchants & Farmers Bank & Trust Company | 19 | $3.1M | $164K | 52.6% |
| First National Bank of Louisiana | 12 | $1.7M | $141K | 16.7% |
| First National Bank in DeRidder | 10 | $1.6M | $163K | 60.0% |
| CSE Federal Credit Union | 10 | $0.9M | $94K | 60.0% |
| The Bank | 9 | $2.2M | $239K | 55.6% |
| Lakeside Bank | 9 | $1.6M | $183K | 55.6% |
| Sabine State Bank and Trust Company | 9 | $1.2M | $132K | 66.7% |
| United Wholesale Mortgage | 8 | $0.8M | $98K | 50.0% |
| Red River Bank | 7 | $1.5M | $221K | 28.6% |
| THE LOAN STORE, INC. | 6 | $1.0M | $168K | 33.3% |
| Rocket Mortgage, LLC | 6 | $1.0M | $160K | 16.7% |
| 21st Mortgage Corporation | 6 | $0.5M | $78K | 100.0% |
| AMERITRUST MORTGAGE CORPORATION | 4 | $0.7M | $180K | 0.0% |
| FIDELITY BANK | 4 | $0.5M | $123K | 100.0% |
| CHAMPIONS FUNDING, LLC | 3 | $0.5M | $175K | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | $0.5M | $165K | 100.0% |
| JPMorgan Chase Bank, National Association | 3 | $0.5M | $152K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | $0.4M | $145K | 33.3% |
| GMFS LLC | 3 | $0.3M | $105K | 100.0% |
| LENDINGONE, LLC | 3 | $0.3M | $98K | 0.0% |
136 Louisiana loans (1.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Calcasieu Parish: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Calcasieu Parish CSV, all 25 lenders
What Calcasieu Parish's table can't show you: fit. Short-term financing is exempt from HMDA, so Calcasieu Parish's fix-and-flip and bridge lenders barely appear among its 58 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Calcasieu Parish with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Calcasieu Parish |
|---|---|---|---|
| Orange County, TX | 101 | 36 | Borders Calcasieu Parish |
| Jefferson County, TX | 437 | 76 | About 55 miles away |
| Lafayette Parish, LA | 542 | 95 | About 75 miles away |
| Rapides Parish, LA | 311 | 33 | About 85 miles away |
Run the coverage test on your Calcasieu Parish, Louisiana deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Calcasieu Parish, Louisiana property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Calcasieu Parish's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 58 lenders and 346 loans: 2025 HMDA loan-level data rolled up to Calcasieu Parish.
- Calcasieu Parish investor-lender dataset (CSV) — All 25 lenders in the Calcasieu Parish, Louisiana table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Calcasieu Parish's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Lake Charles, LA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Calcasieu Parish's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.